Baybank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Baybank of Gladstone, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.04% | 1.25% | -0.21% | 35th below |
| ROAE | 10.49% | 12.22% | -1.73% | 38th below |
| Net Interest Margin | 4.83% | 3.95% | +0.88% | 89th top |
| Efficiency Ratio | 70.45% | 63.71% | +6.74% | 26th below |
| PPNR / Avg Assets | 1.47% | — | — | 42nd below |
| Yield on Earning Assets | 6.61% | 5.67% | +0.94% | 89th top |
| Cost of Funds | 1.91% | 1.87% | +0.04% | 42nd below |
| Net Interest Spread | 4.50% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.02% | 0.88% | +1.14% | 12th bottom |
| NPA / Total Assets | 1.59% | — | — | 11th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 26th below |
| ACL / Total Loans | 1.44% | — | — | 74th above |
| ACL / NPLs (Coverage) | 71.39% | — | — | 18th bottom |
| Texas Ratio | 14.28% | 5.96% | +8.32% | 10th bottom |
| Provision / NCO | 375.00% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.71% | 11.75% | -1.04% | 45th below |
| Equity / Assets | 10.00% | 10.98% | -0.98% | 44th below |
| TCE / Tangible Assets | 10.00% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.80% | 80.44% | +13.36% | 21st bottom |
| Core Deposit Ratio | 89.73% | 86.95% | +2.78% | 53rd above |
| Wholesale Funding Ratio | 5.19% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.04% | — | — | 55th above |
| Loan Growth (Y/Y) | 7.11% | — | — | 60th above |
| Deposit Growth (Y/Y) | 0.44% | — | — | 25th below |
See Baybank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Baybank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Baybank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Baybank peer analysis.